I forgot to mention that I also followed your advice and complained to my Local Trading Standards regarding Lowell's so they do have a record of my complaint against them. If they were to continue to harrass me I was to go back to them. xx

Dear All I thought I would update you, since my last posting and my request for my CCA, Lowell have finally written back:............ " we refer to your recent request for a copy of the original credit agreement for this account. After liasing with the Abbey National in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you. At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the ageement is received at some point the future from Abbey National Plc." I think this is classed as a RESULT!!! Many many thanks for all your help suport and advice I don't think I could have achieved this without your help. Good luck to all the others in the same position. I think standing your ground NOT contacting them via phone and NOT signing the letters is very SOUND advice. THANK YOU SO MUCH Xxxx

Is there a standard letter I could use to send to these people, with regards to this info?? Also is it leeds Trading Standards I would have to write to complain to if they persist in harrasing me? or do I send them a copy of Red's latest letter and make a complaint straight away??

Hi Thank you for this information, it is very helpful. I will not send the SB letter as hubby thinks this will be admitting to the debt and they have not proved to me what the debt is or even if they own it. I will write to them stating the above information. Do I send this recorded also? Thanks so much for all your help it has stopped me from really getting stressed out with these demands. THANK YOU X:)

Hi Tiglet Hubby did not want me to send the SB letter as he wanted to wait for a reply from Lowell - then Hamptons Legal - Now Red!! I got the standard reply as expected and the 12 days have well & truly passed. I sent the reminder letter stating the 12 days have gone etc which they received on 2/10 I have received a reply from Red stating they do have the 12 days then also have another 30 days in all 42 days to respond to my request. which I reckon will be on the 22nd Oct. They will contact me in due course regarding my request. Do I wait and see if they come up with the OCA then send the SB letter or just now send it in the hope of getting them off my back? Hubby is hoping they fail to send anything and want's to wait. When can I go to ts to complain about their lack of documentation, and sending the SB letter would this unable me to complain?? Hope you can help.

Hi Tiglet thanks for your info. I have just checked my experian file the six yr date from "default" was yesterday so have requested for them to remove it from my file. I will send the SB letter tomorrow Recorded Delivery.

Hi Tiglet/Godmother Thank you for all your advice. I decided to send them the letter asking for a copy of my original Credit Agreement and stating the 12 days and included the £1 postal Order this was sent on the 10 Sept and sent recorded delivery and recieved on the 11 sept. I did not sign the letter as suggested by other postings. I today recieved a reply from Lowell dated the 16th Sept saying they are requesting a copy of the agreement form the original lender whith whom I originally entered into the agreement. "While we endeavour to reply to you with the required information within the prescribed 12 day period under the Conumer Credit Act, you will appreciate this is dependant upon receipt of the information from the original creditor. We will advise you further if it will take longer than the prescribed period." Yesterday (19th Sept) I had a threatening letter saying they "may" take court action as I have not responded to their Demands!!!! I thought that if Lowell now owned the debt they would have the agreement already??? Where do I stand now? The account number I have for lowell and on the court order are different to the account number I have from a letter from the original lender saying they were putting my account into default this was dated febuary 02. I think that I now need to wait for a reply with the credit agreement which if it comes will be replied to with the court order letter, or should it be the statute barred letter? If it doesn't come then what sort of letter should go back? Thank you for all your help and advice. Piglet x

Hi Tiglet / Godmother, I am reluctant to contact them directly as I don't want to invite more aggressive tactics. Don't particularly want to end up in court either! At the time of the court hearing I did add a note on the experian credit file explaining why the account was in default and giving the name and address of my ex along with the case number and court name. I have checked recently and it's still there. Do you think that will be sufficient? I feel very reluctant to put my head into the lion's jaws, I don't trust them in way shape or form, so is there is anything else I can do before taking the plunge and replying? Thanks for your help. Pigglett

Hi All, Following on from post 37 I have had acouple of further letters inviting to make a payment which I have ignored. This morning I received a letter from Hamptons Legal (part of Lowell Fin) stating that they will obtain a a copy of my credit file from Experian and then decide which form of legal action to take. The letter then goes on to say that if I'm a homeowner (I'm not) I could lose the house, or if I'm not a homeowner then I can expect an attachment to earnings (I don't work) of a visit from the bailiffs to remove goods. A little background info:- Loan taken out in my name only about 2000. Several payments made but when my then husband left in 2001 no furher payments made. At the subsequent court hearing (Feb 2003) to resolve the financial arrangements the court odered the ex to continue to repay this loan. I remarried last year. Should I continue to ignore them or is it time to seek the advice of a solictor and reply via them? Any other ideas suggestions would be most welcome. Thanks.

Hi Thanks for your reply. I did not know how to start a thread to get more info. Cheers

Hi ODC, a very newbie here, have been reading your threads regarding Lowell Finance. They have just tracked me down to this address threatening me with a "door step" visitor I have ignored the 1st letter and the letter giving me 5 days before my "visit" that was on the 10th so no visit yet. Yesterday I got a card in the post : WE ARE URGENTLY TRYING TO Deliver a letter Contact you (this box is ticked) I will contact you again between 8am and 8pm Then give me a number to ring if inconvenient - I have no intention of calling them. I went through a very messy divorce back in 2002 and a court order was made which included this debt to be signed over to my Ex this was obviousley agreed by the court as acceptable, so what do I do now? I have had no contact with them from what I can remember since 2002 & that was not with Lowell it was another debt company. I have had no proof they own the debt and am getting wound up!! Please Help Cheers